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Chola MS General Insurance vs Shriram General Insurance: IRDAI Data Comparison

General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison

MetricChola MS General InsuranceShriram General InsurancePeriod
engineering combined ratio138.7 %233.1 %Q1 FY26-27
net retention ratio(size)66.5 %84.0 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
health incurred claims ratio103.6 %94.5 %Q1 FY26-27
health combined ratio122.3 %96.6 %Q1 FY26-27
MISP (Direct) policies(size)29694 count30316 countQ1 FY26-27
personal accident segment premium(size)7194 ₹ lakh4253 ₹ lakhQ1 FY26-27
other segment premium(size)997 ₹ lakh1141 ₹ lakhQ1 FY26-27
net yield (quarterly)5.38 %5.43 %Q1 FY26-27
crop combined ratio19.4 %0.0 %Q1 FY26-27
expense ratio to gross premium36.1 %33.7 %Q1 FY26-27
Corporate Agents – Banks premium(size)17032 ₹ lakh350 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)3033 INR_lakhs18266 INR_lakhsQ1 FY26-27
operating profit ratio4.3 %17.2 %Q1 FY26-27
combined ratio120.4 %104.7 %Q1 FY26-27
gross direct premium to net worth ratio(size)54.00 ×39.87 ×Q1 FY26-27
net earning ratio6.1 %12.3 %Q1 FY26-27
motor OD segment premium(size)57997 ₹ lakh29251 ₹ lakhQ1 FY26-27
motor tp combined ratio112.4 %98.7 %Q1 FY26-27
debentures & bonds(size)575389 INR_lakhs319808 INR_lakhsQ1 FY26-27
profit before tax(size)117 ₹ crore174 ₹ croreQ1 FY26-27
return on net worth2.5 %4.4 %Q1 FY26-27
available solvency margin(size)343228 ₹ lakh271557 ₹ lakhQ1 FY26-27
housing & infrastructure(size)32.5 %34.9 %Q1 FY26-27
MISP (Direct) premium(size)401 ₹ lakh623 ₹ lakhQ1 FY26-27
engineering segment premium(size)1434 ₹ lakh850 ₹ lakhQ1 FY26-27
investment income ratio2.0 %1.7 %Q1 FY26-27
travel incurred claims ratio-20.0 %37.1 %Q1 FY26-27
Individual Agents premium(size)6823 ₹ lakh4860 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio84.4 %58.7 %Q1 FY26-27
expense ratio34.8 %37.4 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)127301 count660339 countQ1 FY26-27
net worth growth rate(size)2.6 %7.3 %Q1 FY26-27
travel segment premium(size)33 ₹ lakh0 ₹ lakhQ1 FY26-27
profit after tax(size)86 ₹ crore131 ₹ croreQ1 FY26-27
workmen's compensation combined ratio103.8 %61.7 %Q1 FY26-27
gross direct premium growth rate(size)2.6 %22.9 %Q1 FY26-27
liability combined ratio164.1 %358.1 %Q1 FY26-27
solvency ratio1.93 ×3.02 ×Q1 FY26-27
aviation combined ratio0.0 %0.0 %Q1 FY26-27
marine cargo segment premium(size)6509 ₹ lakh218 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)9.8 %1079.9 %Q1 FY26-27
underwriting balance ratio-15.0 %-6.1 %Q1 FY26-27
fire segment premium(size)18866 ₹ lakh1969 ₹ lakhQ1 FY26-27
engineering incurred claims ratio106.1 %148.8 %Q1 FY26-27
marine cargo combined ratio100.0 %208.4 %Q1 FY26-27
personal accident incurred claims ratio28.0 %15.8 %Q1 FY26-27
workmen's compensation incurred claims ratio75.0 %38.6 %Q1 FY26-27
other investments(size)69712 INR_lakhs1078 INR_lakhsQ1 FY26-27
central govt. securities(size)25.4 %25.6 %Q1 FY26-27
liquid assets to liabilities ratio0.2 %4.2 %Q1 FY26-27
aviation incurred claims ratio0.0 %0.0 %Q1 FY26-27
motor od combined ratio141.2 %134.8 %Q1 FY26-27
workmen's compensation segment premium(size)396 ₹ lakh177 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)4 ₹ lakh0 ₹ lakhQ1 FY26-27
marine hull segment premium(size)2891 ₹ lakh0 ₹ lakhQ1 FY26-27
government securities(size)733841 INR_lakhs458529 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.7 %30.3 %Q1 FY26-27
Corporate Agents – Others policies(size)370101 count723601 countQ1 FY26-27
required solvency margin(size)178009 ₹ lakh89841 ₹ lakhQ1 FY26-27
incurred claims ratio85.6 %68.7 %Q1 FY26-27
health segment premium(size)19083 ₹ lakh1266 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)7.2 %5.2 %Q1 FY26-27
infrastructure & housing(size)370358 INR_lakhs502514 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) premium(size)869 ₹ lakh11 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)22203 ₹ lakh46028 ₹ lakhQ1 FY26-27
motor TP segment premium(size)69798 ₹ lakh78711 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)35216 ₹ lakh34718 ₹ lakhQ1 FY26-27
fire combined ratio80.9 %150.7 %Q1 FY26-27
marine cargo incurred claims ratio77.3 %100.3 %Q1 FY26-27
net commission ratio(size)19.9 %25.6 %Q1 FY26-27
Common Service Centres (CSC) policies(size)21063 count631 countQ1 FY26-27
crop incurred claims ratio7.1 %0.0 %Q1 FY26-27
equity & preference shares(size)167481 INR_lakhs151575 INR_lakhsQ1 FY26-27
Individual Agents policies(size)22600 count58733 countQ1 FY26-27
Brokers policies(size)669428 count313126 countQ1 FY26-27
liability incurred claims ratio96.8 %30.4 %Q1 FY26-27
Brokers premium(size)89864 ₹ lakh29449 ₹ lakhQ1 FY26-27
gross written premium(size)1860 ₹ crore1180 ₹ croreQ1 FY26-27
gross yield (quarterly)7.19 %7.26 %Q1 FY26-27
Corporate Agents – Banks policies(size)345097 count13162 countQ1 FY26-27
personal accident combined ratio125.3 %41.6 %Q1 FY26-27
book value per share(size)114.30 ₹114.19 ₹Q1 FY26-27
motor od incurred claims ratio86.3 %98.4 %Q1 FY26-27
travel combined ratio22.4 %45.9 %Q1 FY26-27
liability segment premium(size)790 ₹ lakh145 ₹ lakhQ1 FY26-27
fire incurred claims ratio84.2 %58.6 %Q1 FY26-27
marine hull combined ratio0.0 %0.0 %Q1 FY26-27
earnings per share(size)2.88 ₹5.06 ₹Q1 FY26-27
gross yield (annualized)7.70 %7.27 %Q4 FY25-26
net yield (annualized)5.76 %5.44 %Q4 FY25-26
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm policies(size)0 count1251 countQ1 FY25-26 / Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh92 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio74.5 %71.8 %FY24-25
claims repudiation ratio5.76 %3.53 %FY24-25

Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.

Individual profiles

Chola MS General Insurance
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Shriram General Insurance
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